First of all my granny isn't around anymore - and second of all, if she was she certainly wouldn't be shopping online!marksi wrote:Yes, but my original point stands - if the banks require passwords to be stupidly difficult for a 36 year old bloke to remember what chance has your granny? I had a work password sent to me - that I need every day - which is 11 characters long, contains 3 upper case letters, 7 lower case letters and a number. How long before I am forced to use something similar for my card? The more complicated you make a process the more likely people are to write down passwords, making it inherently LESS secure.jay wrote:No problemio! But surely it is all our own responsibility to be "web-wise" when it comes to online purchases?Andrew Wood wrote:Sorry, Jay - it was a little late and I was a little tipsy.
However, the point of my post wasn't really relevant to the use of cards in in-store transactions - so really not relevant to the thread, I suppose
It was about the liability of fraud in on-line transactions and how the merchant services have moved it off themselves.
These extra steps have been introduced to protect us even more from online fraud, and, IMO, should be your own responsibility in the first place and not that of the banks.
Thirdly, the idea is you set up a memorable password that only you know. You can even set a hint to remind you of what the password is. And failing that you can be reminded by them sending an email to the email address you used when setting up.
Of course if you're one of these people that goes through email addresses willy nilly then it's your own fault.